All we have are basic markers in a persons past to measure by and I will not be forced to gamble my business on their future behaviour.

Don't gamble that this will be that 1 of 10.

The way to explain it to him is, what would I do if something happened to you and she is the one living there, I need to know what kind of person I'm letting in my rental and who I would be dealing with if you were out of the picture.Is online gambling legal?

Here you go which most consumers will not like what I will say.A few years back I work for a firm that contractor fraud investigators to the major credit bureaus to help them with their consumer dispute fraud, and I was assigned to one of the three bureaus and by setting on the inside looking out I have seen all types of disputes come in everyday some legit most fraudulent and when I say fraudulent, I mean police reports that was sent in saying the consumer had identity theft, and suddenly the bureaus got behind on verifying the consumer disputes they had to delete because the bureaus fail to verify within 30 days and the consumers starting flooding the bureaus with fraudulent disputes so myself along with other investigators from the other bureaus sit down and say what can we do to close the loop hole, so we approach some law makers about passing a law, so there can be an automatic dispute process, and we were told to put it on paper how it should work, but we were told no guarantee it would pass and become law.

This is a 100% refundable credit that is defined as the nation's largest welfare program. 99.99999% of them know exactly what they are doing and do it every year until they are audited and it is found to be fraudulent.

I had an easy out, since my application states that fraudulent information is grounds for rejection.

. ;) I manage 50 units and have placed 'good' folks in similar situations and have paid the price...It is highly likely (I believe) that your intuition will turn out to be correct.Of course, it makes sense to weigh risk vs reward based on rent rates/candidate pool/current occupancy/etc...But, if I were a gambling man (I'm not), I'd lay cash that the new tenants are late by month 3 and unable to pay by month 6...

It is always a gamble with the courts.

This kind of structure could be a disaster if one is not sophisticated enough to appreciate all the dangers (e.g. under-capitalization, fraudulent transfers, etc.). 

The income could be on point however her money could be going elsewhere and not be gettin reported such as shelling out for family, gambling, a peer to peer loan (i’m not 100 percent sure if those show up in your report) etc.